coachbuilt motorhome finance
The coachbuilt is the default British motorhome, and because so many are traded every year the funding for one is about as predictable as this market gets.
Whole-of-market — 60+ lenders searched, including
Can you finance a coachbuilt motorhome?
Yes, and of all the motorhome shapes this is the easiest to fund. A coachbuilt is a purpose-made habitation body bonded onto a light commercial chassis, so there is a clear build record, a recognised converter and an established used market behind it — three things underwriters like. Bought privately, the agreement will typically be regulated consumer credit; bought by a hire operator or a company, it is unregulated business finance. Second-hand coachbuilts are funded every week. The one thing to watch is water ingress: a damp reading in the rear corners will do more damage to a valuation than high mileage ever does.
Used kit: Yes — used coachbuilts are the bread and butter of this market, and a well-kept example from the last decade or so presents no particular difficulty provided the damp report is clean.
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What would a coachbuilt motorhome cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
Underwriters treat the coachbuilt as two assets glued together and value them separately. The Fiat, Ford or Peugeot chassis underneath follows commercial-vehicle depreciation curves the funder already has data for; the habitation body follows the leisure market, which holds up far better. Because the volume builders produce in numbers, there is a deep pool of comparable sales and the desk can price with confidence. Where it gets awkward is a private sale, which is extremely common in this market and which a good many funders simply will not touch. The ones who will need a proper invoice, the VIN, and clear evidence that the seller owns the vehicle outright with no finance still registered against it. Demand is also seasonal, and values firm up noticeably in spring.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Bailey Alliance 66-2 | Two berth coachbuilt motorhome |
| Bailey Autograph 74-4 | Four berth British coachbuilt |
| Swift Voyager 574 | Compact coachbuilt motorhome |
| Swift Escape 694 | Six berth family coachbuilt |
| Elddis Accordo 105 | Short wheelbase coachbuilt motorhome |
| Elddis Autoquest 185 | Rear island bed coachbuilt |
| Auto-Trail Tracker LB | Low profile coachbuilt motorhome |
| Auto-Trail Imala 736G | Family layout coachbuilt motorhome |
| Chausson First Line 640 | French low profile coachbuilt |
| Adria Coral XL Plus 600 DP | European coachbuilt motorhome |
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Who buys one
The typical buyer here is stepping up rather than starting out — someone who has hired a motorhome twice, enjoyed it, and now wants a fixed bed and a proper washroom. Retired couples touring the UK and France dominate, but there is a steady flow of buyers in their forties funding a family six-berth with an over-cab bunk. They almost always shop at the big autumn and spring shows, then come looking for funding on a vehicle they have already reserved.
Get a quoteor call 0333 772 4864
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
coachbuilt motorhome finance questions
Does the chassis under the coachbuilt affect what I can borrow?
It affects how the funder models depreciation. A mainstream Fiat Ducato, Ford Transit or Peugeot Boxer base gives the underwriter plentiful data and a reliable disposal route if things go wrong. A rarer or heavier chassis is still fundable but the desk has less to work from, so it tends to take a more cautious view of what the vehicle will be worth later.
What happens if the damp report comes back bad?
It usually stops the deal rather than repricing it. Damp in a bonded habitation body is expensive and hard to cure properly, and a funder taking the vehicle as security knows that any future buyer will discount heavily for it. If the reading is marginal rather than serious, some funders will proceed with a larger contribution from you.
Can I fund a coachbuilt that has been fitted with a tow bar and bike rack?
Yes. Dealer-fitted accessories of that sort are entirely normal and do not concern an underwriter, provided the payload has not been compromised. What does raise questions is structural alteration — a cut roof, an added garage door or a rebuilt rear wall — because that moves the vehicle away from its documented factory build.
Is it easier to fund a coachbuilt from a dealer than from a private seller?
Considerably easier. A dealer supplies a VAT invoice, handles the paperwork and is a known counterparty, so most funders will release money the same day. Private purchases are workable but the panel is much smaller and the funder will want the seller’s ownership and the absence of existing finance proven before anything moves.
Do coachbuilt motorhomes hold their value?
Better than most people expect. The habitation conversion is what buyers are actually paying for and it does not wear out in the way an engine does, so mileage matters less here than on a car. Condition of the interior, a documented service record and clean damp readings drive the number far more than the odometer.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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